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Determining How Much Auto Insurance Coverage You Need

By Matt McWilliams

The Three Basic parts to an Auto insurance Policy

1: Other Party:

Auto Insurance Bodily Injury (BI) Liability and Property Damage (PD) coverage is Legally required in most states today. (BI & PD) Most people understand that they need BI & PD, but they have no idea how to determine how much coverage they need.

Try this simple question: What if your car was involved in an auto accident tonight where heaven forbid, someone else was injured or killed? Remember, everything you own is in the back seat of the car with you and is at risk in a lawsuit! So, what do you think their family would sue you for? $15,000? $25,000? $100,000 or even maybe a Million dollars! Where would you get the money to pay them?

Perhaps the Equity in your Home would help? How about your Savings and/or Investments? You could even have up to 25% of your wages attached to pay the award in most states! Are you prepared to sacrifice everything you own to pay an award due to this accident? If not, read on for how to choose the auto insurance coverage you need.

2: You and Your Family:

Now let’s turn the above accident around. For some unfortunate reason, you or a loved one is the one who is injured or killed in an auto accident. Where would you get the money if the person who hit you did not have auto insurance or not enough auto insurance? Medical bills can be covered if you have health insurance. But health insurance doesn’t cover loss of life, pain & suffering or permanent disability.

Maybe you have a life insurance policy through your employer or your own individual life policy. Is the benefit amount sufficient to cover your family if your loved one is killed? But even if you have life insurance, what pays for the misery, the pain & suffering, maybe the fact you or a loved one can’t walk or use their arms again?

You might have a disability insurance policy through your work if you’re lucky or had good financial advice. But disability insurance doesn’t pay for loss of life, pain & suffering, permanent loss of your legs, arm or hand.

The only coverage that pays for these things is a part of an auto insurance policy known as Un/Under-insured motorist coverage. You can only buy as much coverage here as you have in Liability coverage. Your auto insurance agent should be able to help you determine the exact amount you need.

3: Your Car

Comprehensive and Collision Coverage are the third part of an auto insurance policy and are sometimes referred to as “Full coverage.” Basically the difference is this: If you run into the tree you are covered by Collision coverage. If the tree runs into you (hypothetically of course), then you are covered by comprehensive coverage. Comprehensive also covers broken windshields, fire, theft and vandalism. The higher deductible (risk) you take here, the lower the premium. Use the savings here to purchase higher limits in the coverages that protect your assets and your family.

The bottom line to determining proper auto insurance coverage is, of course, the money available in your household budget. An excellent place to start in determining the proper auto insurance coverage for your family is to meet with your local auto insurance agent.

Most cut-rate companies concern themselves with one thing only: Price. Tell them what coverage you have and they’ll see if they can give you the same coverage for less. You become the insurance professional. If this is the only need you have then that is ok. If not, you need to seek the advice of a professional to help you determine the proper amount of coverage you need and how best to accomplish it.

Review these tips for auto insurance coverage to make sure you have enough to protect your family.

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Car Insurance Rates Finder for California Agencies Added to National Tool at Insurer Portal Online
Car insurance rates finder is now helping drivers to review California agencies for low prices at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb September 12, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-rates/auto-insurance-quotes/prweb12166539.htm

Comparing Car Insurance Rates by Zip Code Now Easier for U.S. Drivers at New Insurer Portal
Comparing car insurance rates are now easier using zip codes at the Quotes Pros website at http://quotespros.com/auto-insurance.html . (PRWeb September 08, 2014) Read the full story at http://www.prweb.com/releases/comparing-auto-insurance/car-insurance-prices/prweb12153042.htm

General Car Insurance Quotes for California Drivers Added to National System Online
General car insurance quotes are now displayed to California motorists who use the Quotes Pros website online at http://quotespros.com/auto-insurance.html . (PRWeb September 08, 2014) Read the full story at http://www.prweb.com/releases/general-car-insurance/auto-insurance-finder/prweb12153103.htm

California Car Insurance Rates Now Searchable from New Insurer Finder Online
California car insurance is now searchable for low rates using the insurer system built at the Quotes Pros website. New data from CA agencies is added at http://quotespros.com/auto-insurance.html . (PRWeb August 28, 2014) Read the full story at http://www.prweb.com/releases/california-car-insurance/auto-insurance-quotes/prweb12130550.htm

Car Insurance Quote Finder Modified to Include National Pricing at Insurance Website
The car insurance quote finder at the Quotes Pros website is now featuring national prices from agencies at http://quotespros.com/auto-insurance.html . (PRWeb August 28, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-quote/auto-insurance-quotes/prweb12130847.htm

Full Coverage Car Insurance by State Agencies Now Quoted for American Motorists Online
Full coverage car insurance is now included from state agencies in the database at the Quotes Pros website. Instant quotes are available at http://quotespros.com/auto-insurance.html . (PRWeb August 23, 2014) Read the full story at http://www.prweb.com/releases/full-coverage-car/insurance-quotes-rates-us/prweb12117060.htm

Car Insurance Quotes for California Motorists Now Delivered Online at Auto Insurer Website
Car insurance quotes are now obtained online by California drivers using the system at the Quotes Pros website. State agencies can be sorted by price at http://quotespros.com/auto-insurance.html . (PRWeb August 20, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-quotes/auto-insurance-california/prweb12109490.htm

Car Insurance Discounts from Ohio Companies Added to National Search Tool at Insurer Website
Car insurance discounts are now viewable from Ohio companies for motorists at the Quotes Pros website. The search tool at http://quotespros.com/auto-insurance.html reveals all pricing. (PRWeb August 21, 2014) Read the full story at http://www.prweb.com/releases/car-insurance-discounts/auto-insurance-quote/prweb12113873.htm

Affordable Car Insurance Providers Quoting Plans Online Added to Insurer Portal Website
New affordable car insurance providers are now helping to quote policies online using the Quotes Pros database at http://quotespros.com/auto-insurance.html . (PRWeb September 04, 2014) Read the full story at http://www.prweb.com/releases/affordable-car-insurance/auto-insurance-quotes/prweb12146323.htm

Liability Car Insurance Rates Now Supplied to Motorists at Insurance Website Online
Liability car insurance rates are now being generated for drivers who use the Quotes Pros database for price research at http://quotespros.com/auto-insurance.html . (PRWeb August 25, 2014) Read the full story at http://www.prweb.com/releases/liability-car-insurance/collision-insurance/prweb12120225.htm


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